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Automotive Finance and ESG Strategies

Energy Exposure¹ High quality energy portfolio, reduced exposure from 3.1% of total loans in Q4/16 to 2.7% Total Exploration and Production Canadian E&P WCS Exposure Midstream Services Downstream Total Energy Exposure² Loans and Acceptances % of Total Outstanding ($B) Energy Exposure % of Total Loans and Acceptances % Investment Grade Outstanding 6.6 41% 1.1% 59% 3.7 23% 0.6% 77% 2.9 18% 0.5% 36% 5.5 34% 0.9% 52% 1.5 9% 0.2% 19% 2.5 15% 0.4% 71% 16.2 100% 2.7% 55% 7.2 Canada (63%) • Energy portfolio represents 2.7% of loans outstanding, down from 3.1% in Q4/16 55% is rated Investment Grade (IG) "Watch-list" reduced to less than 2.5% of total exposures from 14% since Q4/16 RWA has decreased 21% since Q4/16 Asia (93%) 1 As of July 31, 2019 2 May not add due to rounding C&CA Energy Exposure by Geography2 0.4 (39%) 0.7 Europe (47%) 0.8 $16.2B (%IG) 2.9 3.3 0.7 U.S. (39%) Mexico (37%) Latin America (51%) Scotiabank. 69
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